Welcome to your Mortgage Journey!
Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.
- Click Apply Now and complete the application.
- When you have completed the application, click submit and your information will be reviewed.
- A Tencu Loan Officer will follow up to answer your questions.
Free Pre-approvals
We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.
Our goal is to provide the highest level of service. Our Loan Officers are only a phone call away if you need help. Contact us at 615-244-1910.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded** $0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY) 0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
Effective Date: December 20, 2023
Longer terms are available.
| Loan Type | Annual Percentage Rate 1
Starting At |
Months |
|---|---|---|
| 2023 - Current < 5,000 miles New Auto |
6.49% 2 | 63 |
| 2018 - current Used Auto |
6.74% 2 | 48 |
| 2013-2017 Used Autos |
7.47% 2 | 48 |
| 2012 and older Used Autos |
8.49% 2 | 36 |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 The Base Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness, vehicle age, mileage, and loan terms. Financing up to the retail value of the auto is available. Visit a Ten Credit Union branch or call 1-844-468-3628 to speak with a loan officer to determine the rate you qualify for. Speak with a loan officer to discuss options and choose the rate you are eligible for.
Believe It! Money Market Rates
Effective Date: February 1, 2023
| Minimum to Open | Term | Dividend Rate 1 | Annual Percentage Yield 2 |
|---|---|---|---|
| $2,500.00 | Daily | 0.10% | 0.10% |
1All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.
2APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
Boat Loans
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate 1
Starting At |
Months |
|---|---|---|
| 2023 - current New |
8.49% 2 | 48 |
| 2018 - current Used |
8.99% 2 | 48 |
| 2013 - 2017 Used |
9.99% 2 | 48 |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Certificate & Investment Rates
$500 Minimum to Open
Effective Date: February 1, 2023
| Term | Dividend Rate | Annual Percentage Yield 1 | Dividends Credited 2 |
|---|---|---|---|
| 91 Days (3 Month) | 0.40% | 0.40% | At Maturity |
| 182 Days (6 Month) | 0.75% | 0.75% | At Maturity |
| 9 Month | 0.90% | 0.90% | Quarterly |
| 12 Month | 1.34% | 1.35% | Quarterly |
| 18 Month | 1.39% | 1.40% | Quarterly |
| 24 Month | 1.49% | 1.50% | Quarterly |
| 36 Month | 1.64% | 1.65% | Quarterly |
| 48 Month | 1.79% | 1.80% | Semi-annually |
| 60 Month | 1.99% | 2.00% | Semi-annually |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2Dividends are earned quarterly and calculated using the average daily balance method.
Mortgage & Home Refinance Loan Rates
Call us for our current low rates: (615) 244-1910.
1Annual Percentage Rate (APR) is variable based on an index plus a margin. APR is based on the evaluation of the applicant’s credit qualifications and associated LTV ratio. Available on new HELOCs only. Your actual APR may vary. All balances will accrue interest at the variable APR in effect for your account. The variable APR, as low as 4.25% APR, is based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter, as stipulated by your original terms and conditions. The maximum APR is 18%. All rates and offers are current as of April 4, 2020, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payments to other Ten Credit Union loans, credit cards, or accounts with these proceeds. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.
Motorcycle Loans
Effective Date: December 20, 2023
| Year | Annual Percentage Rate 1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current > 3,000 miles New |
8.49% 2 | 48 | Longer terms available |
| 2018 - Current Used8 |
8.99% 2 | 48 | Longer terms available |
| 2013 - 2017 Used |
9.99% 2 | 48 | Longer terms available |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Personal Loans
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate 1 Starting At | Months | |
|---|---|---|---|
| Signature (Personal) | 11.49% 2 | 24 | Longer Terms Available. |
| Personal Line of Credit | 13.65% | ||
| Certificate Secured | Starting at Deposit APY + 2.00% | 36 | $3,000 Minimum Amount. Longer Terms Available. |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Rate and term are based on the evaluation of the applicant’s creditworthiness. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Offer is subject to change without notice. Membership with Ten Credit Union is required to obtain a loan. A 60-day deferral of the first payment is available on this loan. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 60-day deferral program is subject to change at any time.
Prime Money Market Rates
$10,000.00 Minimum to Open
Effective Date: February 1, 2023
| Tier Level | Dividend Rate 1 | Annual Percentage Yield 2 |
| up to $2,499 | 0.10% | 0.10% |
| $2,500 | 0.25% | 0.25% |
| $10,000 | 0.30% | 0.30% |
| $25,000 | 0.35% | 0.35% |
| $50,000 | 0.40% | 0.40% |
| $100,000 | 0.45% | 0.45% |
| $300,000 | 0.50% | 0.50% |
1All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.
2APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
Recreational Vehicle Loans
(Marine, RVs, Campers)
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate 1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current | 8.49% 2 (New) | 48 | Longer terms are available. |
| 2018-Current | 8.99% 2 (Used; Refinance) | 48 | Longer terms are available |
| 2013-2017 | 9.99% 1 (Used; Refinance) | 48 | Longer terms are available |
| ATV, UTVs | |||
| 2024-Current | 8.49% 2 (New) | 48 | Longer terms available |
| 2018-Current | 8.99% 2 (Used; Refinance) | 48 | Longer terms are available. |
| 2013-2017 | 9.99% 2 (Used; Refinance) | 48 | Longer terms are available. |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Share Certificate Promotions
Effective Date: February 14, 2023
| Annual Percentage Yield 1 |
Term | Dividends Credited 2 | Minimum to Open |
|---|---|---|---|
| 5.55% | 5 Month 3 | Quarterly | $10,000.00 |
| 4.90% | 7 or 9 month 4 | Quarterly | $5,000.00 |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.
3After the maturing term for the 5-month share certificate and rate, the share certificate will roll over to a 6-month share certificate at the then current market rate, respectively. This promotion is for new money and requires a minimum opening deposit of $10,000.
4After the maturing term for the 7-month share certificate and rate, the share certificate will roll over to a 7-month share certificate at the then current market rate, respectively. 4After the maturing term for the 9-month share certificate and rate, the share certificate will roll over to a 9-month share certificate at the then current market rate, respectively.
Shares Rate Schedule
Effective Date: May 1, 2023
| Product | Dividend Rate | Annual Percentage Yield 1 | Minimum to Open | Minimum to Earn Dividends 2 |
|---|---|---|---|---|
| Share Savings | 0.10% | 0.10% | $5.00 | $250.00 |
| Christmas Club | 0.15% | 0.15% | $0.00 | $100.00 |
| Summer Fun | 0.15% | 0.15% | $0.00 | $100.00 |
| IRA Accumulation | 0.20% | 0.20% | $100.00 | $250.00 |
| Roth IRA | 0.20% | 0.20% | $100.00 | $250.00 |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2Dividends are earned quarterly and calculated using the average daily balance method.
VISA Rewards Credit Card
| Annual Percentage Rate* Starting At | Months | |
|---|---|---|
| 13.65% APR 1 | N/A | No Annual Fee; No Balance Transfer Fees |
1Annual Percentage Rate (APR) is current as of June 2023 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 13.15% to 17.99% based on the applicant's creditworthiness. This APR will vary with the market based on the Prime Rate as disclosed in the Wall Street Journal plus or minus a margin based on your credit history. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with Ten Credit Union is required to obtain a credit card. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.